UltraCare
International medical insurance
International medical insurance for you and your family
Highlights
Hospitalisation covered in full, up to THB 200m per year
Worldwide excluding the U.S. cover
How good is this insurance plan?
Remark:
*Available only for telemedicine providers within the company's network. To use Allianz Ayudhya’s proprietary telemedicine service please contact 02 677 0999.
Get a quote
Table of benefits
-
Coverage/Benefits
Swipe to view more
| Benefits | Plans | ||||
| Thailand UltraCare | Standard | Select | Comprehensive | Elite | |
| Overall Plan Limit | THB10 million | THB60 million | THB100 million | THB160 million | THB200 million |
| Coverage Area | Worldwide exc. USA | Worldwide exc. USA | Worldwide exc. USA | Worldwide exc. USA | Worldwide exc. USA |
| Excess Options | No excess in Thailand. THB68,000 excess applicable to inpatient treatment outside of Thailand only | Yes | Yes | Yes | Yes |
| Underwriting Options for individuals | 24-month moratorium | 24-month moratorium | 24-month moratorium | 24-month moratorium | 24-month moratorium |
| Cancer Care | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Inpatient & Daycare Treatment (Includes hospital accommodation, medical practitioners’ fees, nursing fees, prescribed drugs and dressings) | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Outpatient Treatment (includes medical practitioners' fees, prescribed drugs and dressings) | THB60,000 (MRI, PET, CET scans are paid in full) | Not covered | THB200,000 | THB400,000 | Paid in Full |
| Outpatient Surgery | Paid in Full | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Physiotherapy |
Yes (in and outpatient) |
inpatient & post-hospitalization only |
Yes (in and outpatient) |
Yes (in and outpatient) |
Yes (in and outpatient) |
| Complimentary Medicine | Not covered | Not covered | Yes | Yes | Yes |
| Psychiatric Treatment (subject to waiting period) | Not covered | Not covered | THB40,000 for outpatient treatment | THB400,000 inpatient / THB80,000 outpatient | Paid in full for inpatient/THB400,000 outpatient |
| Maintenance of Chronic Conditions | Paid up to a lifetime limit of THB2,720,000 | Not covered | Paid up to a lifetime limit of THB3 million | Paid up to a lifetime limit of THB6 million | Paid up to a lifetime limit of THB12 million |
| Terminal Care | Paid up to a lifetime limit of THB2,720,000 | Not covered | Paid in Full | Paid in Full | Paid in Full |
| Medical Evacuation and Repatriation | Paid up to THB3.4 million | Paid in Full when needed for inpatient, daycare or cancer treatment | Paid in Full | Paid in Full | Paid in Full |
| Wellness | Not covered | Not covered | Not covered | THB28,000 (routine health checks and vaccinations) | THB40,000 (routine health checks and vaccinations) |
Personal Accident Add-on Plan (PA)
Swipe to view more
| Personal Accident Add-on Plan (PA) | Sum Insured (Thai Baht, paid for each unit) | |
| Aged 0 - 17 | Aged 18 and over | |
| Overall plan limit | 100,000 | 1,000,000 |
| Accidental death benefit | 100,000 | 1,000,000 |
| Total loss of sight of one eye | 20,000 | 200,000 |
| Total loss of sight of both eyes | 100,000 | 1,000,000 |
| Permanent disablement | ||
| Permanent loss of use of one or more feet, hands, legs, below the knee or arms below the elbow | 30,000 | 300,000 |
| Permanent loss of use of one or more legs above the knees or arms above the elbow | 100,000 | 1,000,000 |
| Permanent total disablement | 100,000 | 1,000,000 |
Maternity Add-on Plan (MA)
Swipe to view more
| Maternity Add-on Plan (MA) | Sum Insured (Thai Baht, Area2) | |
| Overall plan limit | 68,000,000 | |
| Normal uncomplicated pregnancy and childbirth | 340,000 | |
| Complications during pregnancy and childbirth | Paid in full | |
| Birth defects | 1,360,000 | |
| Terminating a pregnancy | Paid in full | |
| Newborn child accommodation | Paid in full | |
| Local ambulance | Paid in full | |
Underwriting conditions
Services
- Telemedicine
- Dedicated claims and administrative teams exclusively for UltraCare members
Tax benefits
Health insurance premium is eligible for tax-deductible benefit, in accordance with the terms and condition prescribed by the Revenue Department.
Remarks
- The applicant is advised to always study details of coverage and conditions carefully before deciding to buy insurance. After receiving the insurance policy, the insured is advised to study the terms and conditions of the policy contract.
- It is the responsibility of the Insured to make premium payments. Insurance agencies and brokers only facilitate the service.
- Should coverage provided by any insurance policy be in violation of any United States (US), United Nations (UN) of European Union (EU) economic or trade sanctions, such coverage shall be null and void. For example, we cannot pay for healthcare services provided in a country under sanction by the United States unless permitted under a written Office of Foreign Assets Control (OFAC) license. Learn more on the US Treasury’s website at: www.treasury.gov/resource-center/sanctions
Examples of Exclusions
Pre-existing medical conditions or related medical conditions may be covered after you have had 24 months' continuous cover under the plan and within that time you have not:
- experienced symptoms;
- asked for advice; or
- needed or received treatment, medication, or a special diet.
If you have;
- experienced symptoms;
- asked for advice; or
- needed or received treatment, medication, or a special diet.
then you will have to wait until you have completed a continuous 24-month period when none of these apply to you. Pre-existing medical conditions or related medical conditions may then be covered. This is the rolling part of the moratorium.
